Full plant with bad leaves trimmed. You can still see the spotty leaves at the bottom....

muddeprived,
First, you have a Pachira aquatica. Some call it a "Money Tree" (not a cultivar name, just a name, haha). "Yellow leaves with black spots" almost sounds like something fungal IMO. I wish I could be of more help than that, but I'm not the most familiar with the types of fungal diseases plants can get, let alone how to treat them. I hope this at least points you in the right direction.

Planto

This post was edited by plantomaniac08 on Wed, Nov 13, 13 at 13:43

Looks decent in the 2nd pic. I'm sorry this is driving you to drink.

Will the attached water reservoir snap off of the pot, or is it all one piece?

"It does sit next to a heater but it only blows warm air." Plants don't like this as much as people, not really at all. Is it possible to rearrange a bit?

LOL, I like to drink when fiddling with my plants. :) Old habit........

I was thinking fungus as well. I did end up going back at it and cutting off all the affected leaves.

I think the pot's reservoir is one piece. Why do you ask?

I will try to get the plants away from the heater. It's tough cuz my heater is directly below the big window in the living room and it's the only window that gets sunshine.

This post was edited by muddeprived on Wed, Nov 13, 13 at 20:13